Private health insurance in Australia

a09

Hi! I may apply for the Visa 482 soon. With regard to the adequate health insurance requirement, would I need to pay the insurance a one time fee for the duration of three years (three years kasi contract) or can I just pay for the first month for now?

maguero

@jakibantiles said:
Hello po. Kaka PR lang po namin ni hubs galing ng TSS 482, wala pang kids. Advisable po ba na icontinue yung insurance namin? Ano po main difference pag may medicare na? 250dol/month din kasi, pandagdag sa ipon sana. O baka may mairecommend po kayong basic insurance na hindi kamahalan. Thank you po.

There are 2 things to consider. Yung first, depende sa income ninyo. Pag lumampas kayo sa income threshold sisingilin kayo ng Medicare Levy Surcharge kung wala kayong private health insurance. Parang mas mabuting i-compute ninyo kung magkano yung magiging surcharge ninyo tapos just get the insurance coverage equivalent to that amount. At least may benefits kayong makukuha kung ibayad nyo yung pera sa private health insurance kesa ibayad ulit sa Medicare na wala nang additional benefits. You can read about it here https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Medicare-levy-surcharge/

The second thing to consider is your age. If you are over 30 years old and wala kayong private health insurance tapos you decide to get this later on, you will be charged health care loading which will make your premium more expensive. You can read about it here https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/Lifetime-health-cover/

maguero

@jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

jakibantiles

@maguero said:
@jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

Wow thank you po. Basahin ko po yung links na binigay nyo.

yeppuda

@jakibantiles said:
Hello po. Kaka PR lang po namin ni hubs galing ng TSS 482, wala pang kids. Advisable po ba na icontinue yung insurance namin? Ano po main difference pag may medicare na? 250dol/month din kasi, pandagdag sa ipon sana. O baka may mairecommend po kayong basic insurance na hindi kamahalan. Thank you po.

from my experience nung first year ko after makuha PR, nag extras muna kami then recently move with hospital cover due to medicare levy surcharge and lhc . You can check health providers now may mga offers sila like in my case with HCF 3rd and 4th month free cover.

jakibantiles

@maguero said:
@jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

Thank you po. Inadvise ng Bupa na magbasic accident cover kami, para masatisfy yung MLS. Bale $140 na lang ang monthly payment, dating $250 for a couple. Nung unang tax refund ko sa MLS umabot ng $790, 5mos in sa financial year. Madodoble kaya yun this year kasi nakabuo kami ng 1yr na walang medicare?

hikari

@jakibantiles said:

@maguero said:
@jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.
Thank you po. Inadvise ng Bupa na magbasic accident cover kami, para masatisfy yung MLS. Bale $140 na lang ang monthly payment, dating $250 for a couple. Nung unang tax refund ko sa MLS umabot ng $790, 5mos in sa financial year. Madodoble kaya yun this year kasi nakabuo kami ng 1yr na walang medicare?

Hello! Ang ginawa ko nagsubmit pa din ako ng medicare levy exemption sa MES tapos balak ko sa tax lodgement na iindicate yung days na wala kaming medicare. May marereturn pa din daw sabi ng tax agent namin.

jakibantiles

@hikari said:

@jakibantiles said:

@maguero said:
@jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

Thank you po. Inadvise ng Bupa na magbasic accident cover kami, para masatisfy yung MLS. Bale $140 na lang ang monthly payment, dating $250 for a couple. Nung unang tax refund ko sa MLS umabot ng $790, 5mos in sa financial year. Madodoble kaya yun this year kasi nakabuo kami ng 1yr na walang medicare?
Hello! Ang ginawa ko nagsubmit pa din ako ng medicare levy exemption sa MES tapos balak ko sa tax lodgement na iindicate yung days na wala kaming medicare. May marereturn pa din daw sabi ng tax agent namin.

Oo nga daw po. Ang saya kung ganon 😆

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